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A high-yield online savings account pays you interest on your cash balance. Why invest: Annuities are fairly illiquid, meaning it can be hard or impossible to get out of one without incurring a significant penalty. If you're often in overdraft, good companies to invest in right now for cheap find the bank accounts with the lowest overdraft charges - the interest rates vary between the banks. Which type of fund focuses on investments that pay high dividends and interest?